Lower Pricing from Lakeland Florida Auto Insurance Companies

If you’re looking to buy auto insurance, there are a lot of options and selecting the best Lakeland car insurance agent for your needs is more difficult than just picking up the phone. Consumers need a decent agent, but also competitive auto insurance rates.

With so many companies to choose from, it is hard for the average consumer to pick the lowest price company.

How to buy auto insurance from an agent in Lakeland

Good agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of getting online price quotes is you can get lower rates but still work with a licensed agent.

After completing this short form, your coverage information is transmitted to local insurance agents who will battle to get your business. You don’t have to leave your house since price quotes are sent immediately to your email address. How’s that for easy! You can find better rates and a licensed agent to work with.

Picking an auto insurance agent requires more thought than just a low price. Here are some questions to ask:

  • Which company do they place the most coverage with?
  • If they are an independent agency, which companies do they recommend?
  • Are you getting all the discounts the company offers?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How long has their agency been in business in Lakeland?
  • Do the companies they represent have a solid financial rating?

Different types of Lakeland insurance agencies

When finding a good Lakeland insurance agent, there are a couple of different agency structures from which to choose. Lakeland agents are categorized either independent or captive.

Captive Insurance Agents

Captive insurance agents work for only one company such as AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to shop your coverage around so they have to upsell other benefits. Captive agencies are well schooled on their company’s products which helps them compete with independent agents. Consumers sometimes buy from captive agents partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

The following is a list of captive insurance agents in Lakeland that can give you price quote information.

  • Allstate Insurance – 1804 Lakeland Hills Blvd – Lakeland, FL 33805 – (863) 682-6399
  • State Farm Insurance – 6737 Us Highway 98 N – Lakeland, FL 33809 – (863) 853-1221
  • Liberty Mutual Insurance – 3666 Harden Blvd – Lakeland, FL 33803 – (863) 644-7798
Independent Agencies or Brokers

Independent agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent.

When comparison shopping, it’s a good idea to include multiple independent agents to get the best comparison. Many write coverage with different regional companies who may have lower rates.

Below are Lakeland independent insurance agents willing to provide price quotes.

  • Sanders Agency Inc – 202 Lake Miriam Dr # E12 – Lakeland, FL 33813 – (863) 644-0146
  • Liberty Mutual Insurance – 3666 Harden Blvd – Lakeland, FL 33803 – (863) 644-7798
  • Direct General Ins Agency – 4204 S Florida Ave # G – Lakeland, FL 33813 – (863) 644-2500
  • Integrity Insurance – 1019 N Kentucky Ave – Lakeland, FL 33805 – (863) 683-1768
  • David R Bowden Agency Inc – 1102 S Florida Ave – Lakeland, FL 33803 – (863) 603-7838

For a full directory of insurance agents in Lakeland, simply jump to this page.

Once you have positive feedback to your questions in addition to an acceptable price estimate, chances are good that you have found an insurance agent that is a good match to properly service your auto insurance policy.

Can you save money by buying online?

Car insurance agents are a valuable resource, but Florida drivers can also buy direct online. Certain companies like State Farm and Allstate who have local agents in Lakeland also give you the option to get quotes and purchase online, and online price comparisons are easy if you’re trying to lower your rates.

If you’re anxious about not receiving proper advice when buying direct, this is a normal reaction for first-time shoppers. Car insurance companies that allow you to purchase coverage provide phone numbers and online resources for getting questions answered.

Does car insurance cost less online? Many people swear by it, but it’s difficult to answer since there are many things that can increase policy rates. It’s a logical assumption that shopping online for auto insurance saves by not paying a commission. But the fact is, the cost of constant advertising is expensive and that impacts the rates consumers pay.

Best coverage at the best price

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured dropped physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at the best price.

The cheapest auto insurance is available on the web as well as from independent agents in Lakeland, so compare prices from both to have the best selection. A few companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Even more information can be found at the Florida Office of Insurance Regulation website. Florida drivers can report car insurance fraud, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and get help finding coverage.

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